United Community Banks, Inc. Common Stock (UCB)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — Aug 16, 2026Investment Snapshot
- Trading 21% below Graham Number ($46.32) — significant margin of safety
- Piotroski F-Score 5/9 — moderate financial health
- ROE of 9.9% — below-average profitability
- Revenue growing at 18% annually
United Community Banks, Inc. Common Stock (UCB) is a Financial Services company operating in State Commercial Banks, listed on the NYSE , with a market capitalisation of $4.4 billion . Key value metrics: P/E ratio 12.0, P/B ratio 1.18, Piotroski F-Score 5 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
United Community Banks, Inc. Common Stock — Fundamental Analysis Summary
United Community Banks, Inc. Common Stock (UCB) is trading 21% below its Graham Number of $46.32 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 12.0x.
On financial health, UCB shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 9.9% (sector average: 5.4%), and minimal leverage with a debt-to-equity ratio of 0.10.
StockPik's composite Value Score for UCB is 97/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
UCB shows revenue growing at 18% year-over-year, with earnings growing at 30%.
UCB pays a modest dividend yield of 2.7%.